*Annual Percentage Yield (APY) is subject to change without notice. Fees may reduce earnings. **Rate shown is for accounts which meet the following monthly requirements and have a balance less than $1000.00: member must sign up for Online Banking and sign up/activate eNews, eNotices, and eStatements. Member must also make 1 direct deposit or ACH deposit transfer per month, 1 debit card transaction and 1 bill pay transaction per month. If account does not meet the criteria, the monthly rate will be .10% APY. Balances $1000 and greater will earn an APY of 0.50% if requirements are met.

Savings & Money Market Accounts

Effective Date: Saturday, February 17th, 2018

Program

Rate

APY*

Minimum Daily Balance to earn APY

Share Account

0.05%

0.050%

$0.00 to $4,999.99

0.05%

0.050%

$5,000.00 to $49,999.99

0.05%

0.050%

$50,000.00 and above

Includes WCCU Kids Club and Youth Share Savings Account. $5 min. to open - establishes membership.

IRA Savings Account

0.25%

0.250%

$0.00 to $4,999.99

0.25%

0.250%

$5,000.00 to $9,999.99

0.25%

0.500%

$10,000.00 and above

$25 Minimum balance to open. Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions.

Rewards Savings Account

0.05%

0.050%

$0.00 to $9,999.99

0.05%

0.050%

$10,000.00 to $49,999.99

0.10%

0.100%

$50,000.00 to $99,999.99

0.10%

0.100%

$100,000.00 to $199,999.99

0.20%

0.200%

$200,000.00 and above

No monthly service charges. Rate based on total balances under Primary Owner’s number- savings and loans. Interest is compounded & posted monthly based on total balances shown on last business day of the month. $5 min. to open - establishes membership.

Interest Money Market Account

0.05%

0.050%

$0.00 to $2,499.99

0.05%

0.050%

$2,500.00 to $4,999.99

0.10%

0.100%

$5,000.00 to $24,999.99

0.20%

0.200%

$25,000.00 to $74,999.99

0.20%

0.200%

$75,000.00 and above

Minimum to open is $2,500. No monthly service charge if minimum balance of $10,000 is maintained, otherwise there is a $25.00 monthly fee.

*Annual Percentage Yield (APY) is subject to change without notice. A penalty will or may be imposed for early withdrawal. $500 minimum balance to open. Rates shown reflect a 0.10% rate increase for Members in the Members Advantage Program. See a Financial Services Representative for details.

IRAs

Effective Date: Saturday, February 17th, 2018

Term

Rate

APY*

Minimum Daily Balance to earn APY

3 Months

0.25%

0.250%

$500.00

6 Months

0.30%

0.300%

$500.00

12 Months

0.45%

0.450%

$500.00

18 Months

0.60%

0.600%

$500.00

24 Months

0.70%

0.700%

$500.00

36 Months

0.85%

0.850%

$500.00

48 Months

1.09%

1.100%

$500.00

60 Months

1.59%

1.600%

$500.00

*Annual Percentage Yield (APY) is subject to change without notice. A penalty will or may be imposed for early withdrawal. $500 minimum balance to open. Rates shown reflect a 0.10% rate increase for Members in the Members Advantage Program. See a Financial Services Representative for details.

9 Month CD/IRA Special

Effective Date: Saturday, February 17th, 2018

Term

Rate

APY*

Minimum Daily Balance to earn APY

9 Months

1.24%

1.250%

$500.00

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $500 for the 9 month CD/IRA. A penalty will be imposed for early withdrawal. 9 Month CD/IRA requires WCCU checking account. Members Advantage does not apply.

12 Month Savings Challenge CD Special

Effective Date: Saturday, February 17th, 2018

Term

Rate

APY*

Minimum Daily Balance to earn APY

12 Months

0.35%

0.350%

$25.00

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $25 for the 12 month Savings Challenge CD. Deposits of $25 or more can be made at any time. A penalty will be imposed for early withdrawal. Members Advantage does not apply.

15 Month CD/IRA Special

Effective Date: Saturday, February 17th, 2018

Term

Rate

APY*

Minimum Daily Balance to earn APY

15 Months

1.09%

1.100%

$500 to $4,999.99

1.29%

1.300%

$5,000 to $9,999.99

1.49%

1.500%

$10,000 and above

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $500 for the 15 month tiered CD/IRA. A penalty will be imposed for early withdrawal. Members Advantage does not apply.

33 Month CD/IRA Special

Effective Date: Saturday, February 17th, 2018

Term

Rate

APY*

Minimum Daily Balance to earn APY

33 Months

1.34%

1.350%

$2,500 to $24,999.99

1.54%

1.550%

$25,000 to $49,000.99

1.74%

1.750%

$50,000 and above

*Annual Percentage Yield (APY) is subject to change without notice. Other rates and terms available. Minimum deposit $2500 for the 33 month tiered CD/IRA. A penalty will be imposed for early withdrawal. Members Advantage does not apply.

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